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The loss of a key employee can be devastating. Productivity and profits can decline. Insurance on the life of a critical, key person can compensate a business for the financial losses it may suffer as a result of an employee's death.
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You can do everything right, and still have a bad outcome. This is why we buy insurance.
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The stock and bond markets are uncertain, and you know that you're going to need more income in the future. Fortunately, there's a solution to the uncertainty problem.
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